Completed the sale of my flat in Bradford last February but our buyer keeps whats apping every few hours to say their lawyer is waiting to hear from mine. What are the post completion sale legalities now that I have sold?
Post completion of your house sale your lawyer is obliged to send the transfer documentation and all of the paperwork to the buyer’s conveyancer. Depending on the transaction, your solicitor must also confirm that the legal charge in favour of the lender has been redeemed to the purchasers conveyancers. There are no post completion procedures specific conveyancing in Bradford.
We hope to to buy with Loughborough BS. I dropped in 3 or 4 local companies yet am unable to find a Bradford conveyancing firm on the Loughborough BS panel. Can you help?
Please do make the most of the search tool on this site. Pick the mortgage company and type Bradford or your preferred area and you will see numerous solicitors offices in Bradford or by proximity to you.
I am the single recipient of my late grandmother’s estate with all property in now in my sole name, including the house in Bradford. The Bradford property was put into my name in May. I now wish to sell up. I understand that there is a Mortgage Lenders 6 month 'rule', which means that my proprietorship could be treated the same way as though I had purchased the house in May. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you may be impacted by that. How sensible a view mortgage companies take of it, depend on the bank as this obligation is primarily there to identify the purchase and immediately sell or the wholesaling and assigning of property.
We had instructed solicitors locally in Bradford on the Co-operative solicitor approved list. They have just invoiced me a separate charge for dealing with the Co-operative mortgage. Is this an additional conveyancing fee set by Co-operative?
Unfortunately, as long as it is in their Terms of Engagement or estimate then yes your solicitor may charge a fee for this. This fee is not set by Co-operative but by your Bradford property lawyer. Numerous firms on the Co-operative panel will levy ’dealing with mortgage’ fee and others do not.
I recently had an offer accepted on an apartment in Bradford. My mortgage broker pressured me to appoint their conveyancing practitioner. I paid an upfront payment of £200. A couple of days later, the conveyancing practitioner contacted me to say that they were not on the HSBC conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the HSBC panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I used Stirling Law a few years past for my conveyancing in Bradford. I now require my papers however cannot find the solicitor. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracing your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Bradford of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I decided to have a survey done on a property in Bradford prior to instructing lawyers. I have been informed that there is a flying freehold aspect to the house. The surveyor advised that some mortgage companies may refuse to issue a mortgage on this type of property.
It varies from the lender to lender. Lloyds has different requirements from Halifax. If you e-mail us we can look into this further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Bradford. Conveyancing may be slightly more expensive based on your lender's requirements.
I am in need of some leasehold conveyancing in Bradford. Before I get started I want to be sure as to the number of years remaining on the lease.
Assuming the lease is registered - and almost all are in Bradford - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Leasehold Conveyancing in Bradford - Sample of Queries Prior to buying
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The prefered form of lease arrangement is a share of the freehold. In this scenario the tenants benefit from being in charge if their destiny and notwithstanding that a managing agent is often retained if it is larger than a house conversion, the managing agent employed by the leaseholders. Can you inform me if there are any major works anticipated that will add a premium to the maintenance charges? Be sure to discover if there are any onerous restrictions in the lease. For instance some leases prohibit pets being allowed in in a block in Bradford. If you love the apartmentin Bradford yet your cat can’t live with you then you will be presented with a difficult compromise.